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All Journal Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen PROFIT : Jurnal Administrasi Bisnis Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Berdikari: Jurnal Pengabdian Masyarakat Indonesia Referensi : Jurnal Ilmu Manajemen dan Akuntansi PEDULI: Jurnal Imiah Pengabdian Pada Masyarakat Jurnal Ilmiah Akuntansi Kesatuan JAPI: Jurnal Akses Pengabdian Indonesia Jurnal Management Risiko dan Keuangan Priviet Social Sciences Journal Prosiding Seminar Nasional Pengabdian kepada Masyarakat (SINAPMAS)
Mychelia Champaca
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Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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PENGARUH RETURN OF ASSET, RETURN OF EQUITY, NET PROFIT MARGIN, DAN EARNINGS PER SHARE TERHADAP HARGA SAHAM PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BEI PERIODE 2009-2012 Rakidewo, Pion Seto; Champaca, Mychelia
Jurnal Ilmiah Mahasiswa FEB Vol. 2 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

From some of the facts, the performance of manufacturing firms in 2014 is predicted  to decline that led to investor uncertainty in determining investment decisions. Therefore,  investors need to measure the success of the company in investment activity through the  analysis of the profitability ratio, which is expected to be used to predict the stock price with  good manufacturing company. The purpose of research to determine the effect Return on  Assets (ROA), Return on Equity ( ROE ), Net Profit Margin (NPM) and Earning Per Share  (EPS) simultaneously significant effect on stock prices and to determine the effect of Return  On Equity (ROE), Return On Assets (ROA), Net Profit Margin ( NPM ) and Earning Per  Share (EPS) is partially significant effect on stock prices.Kata kunci : Return on Assets, Return on Equity, Net Profit Margin, Earning Per Share, dan Harga Saham.
PENINGKATAN KEMAMPUAN PEMASARAN DIGITAL PADA KARANG TARUNA DESA TANAH MERAH SAMPANG Champaca, Mychelia; Firdausiah, Ayu; Nurhidayat, Moch
Jurnal Likhitaprajna Vol 8 No 2 (2024)
Publisher : FKIP Universitas Wisnuwardhana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37303/peduli.v8i2.633

Abstract

The global industrial transition to the era of digitalization occurred at the same time as the expansion of the Internet, which had a major impact on this transition during the Covid-19 pandemic. It has been proven that digital marketing initiatives including creating websites, using social media, and using e-commerce platforms strengthen the ability of SMEs to compete. A form of government effort to encourage community activities focused on increasing digitalization to remote areas through academic institutions, whether universities or high schools, and training institutions that intensively explore the issue of digitalization. The important role of entrepreneurship through SMEs has also been shown to be very significant in encouraging the regional economy. Research examining studies on the main topic of marketing digitalization shows the use of digital marketing media such as; electronic commerce, electronic platforms, mobile marketing, e-marketing, and social media. The results of implementing this Community Service activity are in accordance with the objectives to be achieved in this activity, namely, increasing the insight of village youth as measured by responses during participant feedback. The majority of young men and women do not know that digital marketing media can be used to sell any product that has sales value. In addition, some participants who already had products expressed their interest in selling products through the marketplace platform which was conveyed in the activity simulation.
Analyzing The Impact of Financial Literacy on Investment Interest with Locus of Control as The Mediating Variable Aulia Falyauma Risky; Mychelia Champaca
Jurnal Management Risiko dan Keuangan Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.2.08

Abstract

Purpose – This study aims to analyze the effects of financial behavior and financial literacy on investment interest among graduate students of the Faculty of Economics and Business, Universitas Brawijaya, with locus of control as a moderating variable.    Design/methodology/approach – This replication study uses a quantitative approach with primary data collected through surveys. Respondents were selected using purposive sampling. The data were analyzed using multiple linear regression to test the relationships among variables.   Findings – The results show that financial behavior and financial literacy significantly influence investment interest. However, locus of control does not moderate the relationship between financial literacy and investment interest.   Originality/value – This study contributes to behavioral finance literature by examining the combined effects of financial behavior, financial literacy, and psychological factors on investment interest in a university student context.
Profitability and Efficiency Analysis to Measure the Impact of Fintech on The Financial Performance of Regional Development Banks Pardede, Vivaldi Wijaya; Champaca, Mychelia
Jurnal Management Risiko dan Keuangan Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.3.01

Abstract

Purpose – This study aims to examine the differences in the financial performance of Regional Development Banks (BPDs) before and during the emergence of financial technology (fintech), as measured by Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and Operating Expenses to Operating Income (BOPO).      Design/methodology/approach – This study employs a comparative quantitative approach using area sampling to select seven Regional Development Banks from a population of 24 conventional BPDs. Secondary data were obtained from financial statements covering the periods 2013–2016 (before fintech) and 2017–2020 (during fintech). The Wilcoxon Signed Rank Test was performed using STATA software due to the non-normal distribution of the data.   Findings – The results indicate significant differences in ROA, ROE, and NIM between the periods before and during the emergence of fintech. However, no significant difference is found in BOPO. These findings suggest that fintech has affected bank profitability but has not significantly influenced operational efficiency.   Originality/value – This study provides empirical evidence on the impact of fintech development on the financial performance of Regional Development Banks in Indonesia, offering insights for bank management and regulators in developing adaptive strategies to address technological disruption in the financial sector.
From Knowledge to Fintech: Drivers of Generation Z’s Investment Interest Gracia, Olivia; Champaca, Mychelia
Jurnal Management Risiko dan Keuangan Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.4.05

Abstract

Purpose – This study aims to analyze the influence of investment knowledge, investment risk perception, and financial technology on the investment intentions of Generation Z in the digital era.    Design/methodology/approach – This quantitative study uses a purposive sampling technique with 120 Generation Z respondents who have knowledge of or experience using investment instruments. Data were collected through questionnaires that had passed validity and reliability tests. The data were analyzed using multiple linear regression after conducting classical assumption tests.   Findings – The results indicate that investment knowledge and financial technology have a significant positive influence on investment intentions. Meanwhile, investment risk perception has a significant negative influence on investment intentions. These findings show that greater financial understanding and technological accessibility can encourage investment participation, while higher perceived risk may reduce investment interest.   Originality/value – This study contributes to investment behavior literature by integrating knowledge, psychological risk perception, and technological factors to explain Generation Z’s investment intentions in the digital financial era. The findings provide practical insights for financial educators and fintech developers in designing strategies to increase young investors’ participation.
Portfolio optimization using cryptocurrency Putra, Raka Arjunaldi Pramana; Champaca, Mychelia
Priviet Social Sciences Journal Vol. 6 No. 1 (2026): January 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i1.620

Abstract

This study aims to analyze the role of cryptocurrency investment in optimizing the performance of a portfolio comprising traditional assets, such as stocks, foreign exchange, and gold. This quantitative research employs the Markowitz Mean-Variance Optimization model and Sharpe ratio analysis. The data used consist of monthly closing prices from January 2019 to December 2024 for three cryptocurrencies (BTC, ETH, and XRP), three banking stocks (BBCA, BBRI, and BMRI), three foreign exchange pairs (USD/IDR, EUR/IDR, and GBP/IDR), and gold. A comparison was made between an optimal portfolio without a cryptocurrency and an optimal portfolio with a cryptocurrency. The results indicate that the inclusion of cryptocurrency significantly increased the portfolio's expected return from 14.07% to 32.08%. This increase was accompanied by a rise in risk (standard deviation) from 11.39% to 19.49%. However, portfolio efficiency improved dramatically, as evidenced by the Sharpe ratio surging from 70.89% to 133.83%. In both scenarios, gold consistently played a dominant role as a stabilizing asset in the portfolio. It is concluded that, during the study period, cryptocurrency served as a significant return enhancer and efficiency booster in the investment portfolio.
Bitcoin Asset Preference in Mutual Fund Portfolio: A Phenomenological Study Dwi Ramadana, Novian; Sumiati, Sumiati; Champaca, Mychelia
Profit: Jurnal Adminsitrasi Bisnis Vol. 20 No. 2 (2026): Profit: Jurnal Administrasi Bisnis
Publisher : FIA UB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.profit.2026.020.02.2

Abstract

This research examines Indonesian investment managers' attitudes and knowledge toward Bitcoin as an institutional investable asset and reviews the digital asset's worldwide adoption. Indonesian investment managers' role in this job market crisis can be understood through a prudent behaviour mindset, driven by regulatory uncertainty, fiduciary obligations, and risk aversion, even though big global financial houses have already adopted Bitcoin through regulated instruments such as Exchange Traded Funds (ETFs). Using a phenomenological research approach, the study explores the meanings and lived experiences of the strategic leaders of the Indonesian Investment Managers Association (AMII). The results demonstrate that managers are aware of Bitcoin's diversification benefits but prefer asset-backed tokenisation and conventional financial instruments due to concerns about volatility, the market's maturity, and the lack of legal recognition of crypto assets as securities. This study adds to the literature on behavioral finance by exposing loss aversion and status quo bias in developing markets, and it offers policy and industry implications for facilitating judicious digital asset innovation.
The Role of Debt Literacy in Shaping Loan Repayment Behavior in P2P Lending Arya Putri, Annisa Maharani; Wijayanti, Risna; Champaca, Mychelia
Profit: Jurnal Adminsitrasi Bisnis Vol. 20 No. 2 (2026): Profit: Jurnal Administrasi Bisnis
Publisher : FIA UB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.profit.2026.020.02.4

Abstract

The rapid proliferation of peer-to-peer (P2P) lending in Indonesia has increased financial inclusion to 85.1% in 2022, with national literacy rising from 38.03% in 2019 to 49.68%. Nevertheless, non-performing loans (NPL) averaged 2.90% in 2023, primarily linked to younger borrowers from Generation Z, underscoring a paradox between greater accessibility/literacy and persistent repayment difficulties. This investigation addresses a pivotal research gap by positing that general financial literacy is insufficient to ensure credit adherence, underscoring the need for specialized debt literacy, which remains inadequately explored. The issue underscores how readily accessible credit amplifies impulsive behavior among Generation Z, driving consumer loans for technological devices and lifestyle expenditures. This study uses structural equation modelling with partial least squares (SEM-PLS) on quantitative data from 300 Generation Z P2P borrowers in East Java, Indonesia, to investigate whether debt literacy positively influences loan repayment behavior and to assess the mediating roles of overspending and money management skills. The findings demonstrate that debt literacy positively affects repayment behavior, with overspending and money management skills acting as significant partial mediators that reflect positive and negative behavioral pathways, respectively.
Co-Authors Agung Nugroho Adi, Agung Nugroho Agustin, Wardah Sania Arya Putri, Annisa Maharani Aulia Falyauma Risky Ayuning Putri, Intan Lifinda Denes Ahmad Fairuza Dewi Maryam Dewi Maryam Dewi, Livia Alverina Hapsari Sintha Dwi Ramadana, Novian Farida Eka Putri Fideni, Ridho Firdausiah, Ayu Gracia, Olivia Kardina Yudha Parwati Moch. Nurhidayat Mochammad Imron Awalludin Nur Khusniyah Indrawati Nurhidayati, Eny Ollin Thia Priscilla Cristie Pardede, Vivaldi Wijaya Pion Seto Rakidewo Priest Winka Sajida Prisma Nohandhini Putra, Raka Arjunaldi Pramana Rakidewo, Pion Seto Rizka Fitriasari Safitri, Niluh Santi Sulistianingrum, Zevanya Sumiati Sumiati Utami, Ni Kadek Ista Widodo, Deny Edy Wijayanti, Risna Winda Anggraini Yuliyanti, Tiara